USPTO Patents Application 09734988

At page 10, line 22, after^"processor 40" insert -- as illustrated in
Figure 8—.

At pagTlO, line^O dele'te "the". ^

At pa^ 11, line 29 charfge "systemDs" to "system's".

At page 12, liffe 13 del^e "and".

At pa^ 15, line 2, delete "the recharge to".

In the Claims : ^

CaficeTclaifi^ 1-34.

Amend claims 35, 40, and 48 as follows.

^5-^ ^Amended) A system for effecting electronic payment for goods
or services^i:0^prising:

terminal located at a point-of-sale where monetary consideration is
Dn behalf of an end-user to pre-pay for selected goods or
services; the terminal operable to exchange electronic messages with a
financial network;

a financial netwWk operable to exchange electronic messages with the
point-of-sale terminal;

a payment processor including a database for storing a list of
participating point-of-sale merchants and further including a database
associating a plurality of interna^diary account numbers with corresponding
end-user account numbers; and

the payment processor oper^le to exchange electronic messages with
the terminal via the financial networl^nd including means for [posting a
payment transaction] crediting an indici^ of monetary value to a
corresponding intermediary account in response to receiving a payment
message from the point-of-sale terminal, anU further including interface
means for communicating at least a recharge qjansaction to a vendor to credit
the associated end-user account in response to [Vid posting of a point-of-sale
payment transaction! creditine the correspondine \ptermediarv account.

^mendec
services comprising:

A method for effecting payment for telephone

PortInd2-4286427 . 1 0029279-00003

establishing an\intermediary account having a corresponding account
identifier;

associating the int^ermediary account with an end-user's prepaid
account maintained by a telecommunications vendor;

conducting a transactW comprising receiving a payment from the
end-user at a point-of-sale together with the account identifier for loading
value into the end-user's prepaioSaccount;

electronically communicating data indicative of the transaction from
the point-of-sale to a central payment

in the central payment process<^, validating the transaction data and
transmitting a response to the point-of-sale; and

in the central processor, if the validating step results in approval of the
transaction, crediting a monetary value to me corresponding intermediary
account, and sending a message to the telecorWiunications vendor for loading
value into the end-user's associated prepaid account responsive to the
payment transaction.

-48*. (J^rnepded) A method for effecting payment for goods or services
comprismg:

providing a centJ^lized payment processor;

establishingi an intermediary account on the payment processor having
a corresponding accVint identifier;

conducting a payment transaction comprising receiving a payment
from the end-user at a pWnt-of-sale together with the account identifier;
communicating data indicative of the payment transaction from the point-of-
sale to the centralized payment processor via a financial network;

in the payment processV, validating the payment transaction data and
transmitting a response to the point-of-sale, said response including an
indication of approval if the validating step results in approval of the
transaction; and

Ponlnd2-4286427.1 0029279-00003

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